BDCU Alliance Bank Credit Cards

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Compare the lender that helps it’s local community and gives back to its members.

BDCU Alliance Bank believes in providing honest and ethical advice with the sole purpose of enhancing the lives of their members. They offer a range of financial services, including credit cards, insurance, financial planning, brokerage services and loans. With their profits going straight back to their members, they’re able to support their philanthropic activity, including the BDCU's Children's foundation that helps Bowral Hospital and BDCU Goulburn Hospital Fundraising.

BDCU is part of one of Australia's largest ATM networks, providing online banking and personalised service in Bowral, Mittagong, Moss Vale and Goulburn.

BDCU's Visa Credit Card is compared on this page to other similar cards. You can read more about the benefits of banking with BDCU below, as well as the features of this credit card and how to apply.

BDCU Alliance Bank Credit Cards

Rates last updated December 9th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
BDCU Visa Credit Card
Enjoy a low introductory rate of 7.99% p.a. for 6 months on purchases plus a low annual fee of $45.
7.99% p.a. for 6 months (reverts to 12.49% p.a.) $45 p.a. More info

Types of credit cards from BDCU Alliance Bank

  • Low rate credit card

Low rate credit cards typically come with low interest rates, giving you a lower cost way to carry out your transactions. BDCU Alliance Bank offers a Low Rate Visa credit card that can be ideal if you want security for extra funds and access to competitive interest rates.

Rates last updated December 9th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
BDCU Visa Credit Card
Enjoy a low introductory rate of 7.99% p.a. for 6 months on purchases plus a low annual fee of $45.
7.99% p.a. for 6 months (reverts to 12.49% p.a.) $45 p.a. Up to 44 days on purchases More info
Rates last updated December 9th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
12.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Australian Military Bank Low Rate Visa Credit Card
Enjoy a low interest rate of 10.99% p.a. on purchases, combined with a balance transfer offer of 0% p.a. for 12 months and a low annual fee.
10.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
Enjoy a low balance transfer offer of 0% p.a. for 18 months and a low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months if you apply by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Learn more about Low Rate Credit Cards

The benefits of banking with BDCU Alliance Bank

  • Internet & phone banking

BDCU provides secure access to your banking services 24 hours a day, seven days a week. You can access your account online or through the phone whenever you need to.

  • Worldwide acceptance

Have the confidence of worldwide recognition with Visa credit card. You’ll have access to your funds at over 2.1 million ATMs in more than 200 countries and territories worldwide.

  • Membership benefits

All profits are channelled back to members and the community, with more than 14,000 members of the community already sharing ownership. Specific members benefits are also available to certain age groups and business groups.

  • Access

As a member of BDCU you will have access to one of  Australia's largest ATM networks. BDCU Alliance Bank also provides personal service in Bowral, Mittagong, Moss Vale and Goulburn.

How to apply for BDCU Alliance Bank credit cards

To apply for a BDCU Alliance Bank Credit Card, click the ‘Go to Site’ button and you will be redirected to a secure web form. Please note that in order to be eligible for this card you must meet the following requirements:

Eligibility criteria

  • Be a BDCU member
  • Be a permanent Australian Resident
  • Be at least 18 years old
  • Have a good credit rating

Required information

  • Identification. Provide information about yourself, such as drivers license number, whether you support any dependants, your residential address and a relative’s details.
  • Income. You’ll need to give a recent payslip, tax assessment, group certificate, or dividend income certificate with this application.
  • Finances. This section requires information about your income, savings/ investment accounts and assets.

What happens next?

Once you have completed the application form, return it to any BDCU Alliance Bank centre or mail it directly to them.  You should get an email from the bank letting you know whether you’ve been approved or declined. Your application can also be conditionally approved. If this is the case, you may need to provide extra information to the bank, like payslips, to verify your income.

If your application has been fully approved, you can expect to get your credit card within two weeks.

Frequently asked questions

How can I repay my BDCU credit card?

Payments can be made on the internet or by phone with BPAY. Simply call BDCU’s direct line for phone banking or apply for internet banking through the BDCU website.

How do I do a balance transfer to a BDCU credit card?

Balance transfers can be requested at the time of application or by calling BDCU.

How much do I have to pay off my card each month?

The minimum repayment for this card is 3% of the outstanding balance or $25, whichever is greater.

How do I get interest-free days on purchases?

Interest-free days on purchases are eligible when the account is paid in full when your statement is issued. If a balance is carried month to month (like when you're paying off a balance transfer promotion) you won't be eligible for interest-free days. Please note that interest-free days do not apply to cash advances and cash transactions, such as bill payments.

What happens if I lose my card?

If you lose your card you can cancel your card immediately by calling BDCU directly on 1800 648 027 (Toll-free National) or +61 2 9959 7686 (International).

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American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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